Route spending through 20% rewards on international spends.
Earn 20.0× here — 20.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Lifetime-free · Travel & Lifestyle
FEDERAL BANK · SCAPIA FEDERAL BANK CREDIT CARD
Scapia Federal Bank Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹93,600 for a mid spender · travel
FEDERAL BANK
Updated 17 Sep 2026 4 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is Federal Bank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE Check with bank Good band
AGE Adult Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹93,600 first-year net value · mid spender · travel
Category rewards ₹93,600
Net first-year value ₹93,600
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 2.00% back on eligible spends 20 pts 20 points per ₹100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 20.0% back
10% rewards on all bookings made on Scapia app · 10.0%
20% rewards on international spends · 20.0%
Everything else (base) · 2.0%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time Federal Bank tweaks the program.
Don't sleep on 10% rewards on all bookings made on Scapia app.
The second tier earns 10.0× (10.0% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 0.0% · lowest in class
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹4L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How Scapia Federal Bank Credit Card has changed.
Last verified 17 Sep 2026.
- 27 Feb 2026 Domestic lounge gate raised to ₹20,000 combined monthly spend (was ₹10,000 previous month); coin value on the homepage is 5 Scapia coins = ₹1 (file assumed 10 = ₹1); zero forex on all spends abroad dated 27 Feb 2026; RuPay variant's 5% on UPI recorded. Lifetime free re-verified. The coins-per-₹100 earn percentages are rendered as graphics on the homepage and the support/fees pages return 403, so the 2%/10%/20% effective rates were not re-verified this month. Lounge access needs double the monthly spend; coin valuation is more generous than the file assumed
- 24 Feb 2026 Scapia homepage and support fee pages revalidated Updated zero-fee, zero-forex, APR/late-fee and lounge qualification fields
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: Scapia homepage (official), Scapia fees and charges page (official), Scapia general credit card terms page (official), scapia.cards. Next scheduled review: 17 Mar 2027.